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    Why Travel Medical Insurance is Essential?

    Last Updated On 09-08-2021

    Going on a trip or a vacation is really exciting. You plan your trip clothes, the places you will visit, the food you will eat and so on. You want to be stress-free and enjoy every moment of your trip. However, when planning for your holiday, have you been careful about any uncertainty that could arise? What happens if you meet an accident, fall sick, get injured or face a medical emergency in a new place? The best way to prepare for this is to get a travel mediclaim policy.

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    Here is why travel medical insurance should be an essential part of your tour itinerary:

    • Covers unforeseen medical expenses: Irrespective of how meticulous your holiday plan is, you cannot always anticipate a medical emergency. When travelling, there is a risk of falling sick, getting injured, meeting an accident, etc., which makes you highly vulnerable. If an unforeseen medical emergency arises when you are travelling, you might be stranded without any financial help. Moreover, the sudden medical expenses could create huge financial stress on your vacation budget, making the entire trip nightmarish. However, if you have a mediclaim insurance policy, you will have coverage for domestic medical exigencies. However, while choosing a plan, do take into consideration the overseas destination you’re travelling to. It is also advisable to check the sum assured and the other policy details to be sure that the health insurance plan covers you against unexpected medical expenses when you are travelling. This enables you to be stress-free and enjoy your vacation wholeheartedly.
    • A reliable friend in an unfamiliar territory: When you take a trip, you are discovering the place, its food, culture, etc. It is unfamiliar territory, which makes it exciting but also risky. Exciting because you have so much to learn about your holiday destination. Risky because you have language barriers or geographical constraints, and you do not know the place well. In such times, a mediclaim insurance plan becomes your friend. If you were to face a health issue when travelling, you can seek 24*7 customer support for claims. Good health insurance plans assure you that no matter where you are, you have a dedicated team to support you in case of a medical or travel-related health emergency.
    • Cashless treatment: When you travel, you have a limited budget and carry only a specific amount required for the trip. However, when you face a health issue or medical emergency when travelling, you could be left financially struggling in a new territory. But if you take a mediclaim policy while travelling, you can avail of the cashless treatment benefit. Good health insurance plans help you avail of cashless treatment facility at any of the authorised medical facilities. This means that your health expenses will be covered without causing any financial stress on your holiday budget. The mediclaim insurance plan will cover your hospital costs, pay for ambulance charges, transportation fees from one hospital to another, advanced medical support and more.

      These plans aim to secure you and your loved ones against steeply rising living costs and health expenses. Such plans ensure that you live your absolute best while all your living and medical costs are taken care of. Apart from the financial guard against health emergencies, mediclaim insurance policies also provide tax benefits. The premiums you pay for the plan are eligible for benefits under Section 80D of the Income Tax Act, 1961. You also get tax exemption if you pay premiums for the mediclaim policy of your spouse, dependent children or parents.


    If your idea in life is to travel like a free bird and explore, it is important that you invest in a good health insurance plan. With secure mediclaim insurance, you will always have a financial back-up in case you face an unexpected health situation when travelling. The idea is to let you travel with utmost financial security. So, choose a wise mediclaim policy and jet set go!

    Know more about term plan, term insurance and life insurance at PNB MetLife.



    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision. Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details

    PNB MetLife India Insurance Company Limited
    Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
    IRDAI Registration number 117 | CIN U66010KA2001PLC028883
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    Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
    The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.


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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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